If you have a gap in health insurance coverage for any reason, temporary health insurance is a wise investment. Although it may be tempting to go without coverage for a bit of time in order to save money, doing so is risky. You may become sick or injured while you are not covered by an insurance plan and be forced to pay thousands of dollars in medical bills out-of-pocket.
Fortunately, there are no open enrollment periods for short term health insurance. You can find a plan, enroll, pay your premium, and enjoy coverage immediately after. Since monthly premiums on short term health insurance plans are typically less expensive than Obamacare, you’ll be saving money by enrolling in one.
In addition, short term health insurance plans are flexible. You can select how long you’d like coverage for so you won’t be tied to a plan for shorter or longer than you’d like. Blue Cross and Blue Shield of North Carolina offers short term health insurance coverage for up to 90 days.
You can choose whether you’d like coverage for 30, 45, 60, or 90 days.
To apply for short term health insurance from Blue Cross and Blue Shield of North Carolina, you must meet be:
- A North Carolina resident
- 65 years of age or younger
- Not eligible for Medicare or Medicaid
- Not enrolled in any other short term health coverage within the last year
Frequently Asked Questions About Short Term Health Insurance
When does short term health insurance make sense?
There are a number of reasons you may want short term health insurance. These plans may make sense if you are rolling off your parent’s insurance, in between jobs, waiting for benefits to begin at a new job, losing coverage after a divorce, or waiting for your Affordable Care Act (ACA) coverage to begin.
Why is short term health insurance a good idea?
The reality is that life is unpredictable. Even if you are in good health today, you may fall and break your leg tomorrow. Without health insurance, you may be left with thousands upon thousands of dollars in medical bills. Short term health insurance can help you avoid this situation and provide you with the security and peace of mind you deserve.
Can I cover my family with short term health insurance?
Yes. If you have a spouse and children, they may be covered under a short term health insurance plan.
Does short term health insurance provide coverage for preexisting medical conditions?
If you have a pre-existing medical condition, you should know that short term medical insurance will probably not cover it. Some examples of preexisting medical conditions include diabetes, COPD, sleep apnea, and cancer.
How can I save money on short term health insurance?
There are a variety of ways you may be able to save money on short term health insurance. You can choose a higher deductible, pay your total premium up front, choose a plan with fewer benefits, or choose a per cause deductible option. Our insurance experts can also help you save big.
What if I don’t need coverage for as long as I thought?
If you don’t need coverage for as long as you thought, there will be no problem. You can drop your coverage at any time.
Learn About Your Short Term Health Insurance Options
For assistance on selecting the right temporarily health insurance plan for you, we encourage you to call the insurance experts at The Mair Agency today at (919) 459-2683. Whether you are in Charlotte, Raleigh or Wilmington, we have agents in the area that can help you in your search for short term health insurance.